directory listing

I have just setup my first VH. Everything works as advertised. However, if I put in www.domain.com I get the directory listing of the top level of my VH. If I type in www.mydomain/index.html I get the correct index.html file.

I'm using 3beta. I have set default index files in the VH to index.html and index.php What am I missing?

Server is running as 'nobody' and file permissions are set for nobody:nobody 775